How To Obtain Credit Records On Yourself

Credit Reference Agencies (CRAs) have a statutory obligation to provide you with your credit file and charge no more than ?2. These reports are paper based and will be posted to you.

You can apply online for your reports from the two leading CRAs using the following links:

http://www.wiseconsumer.uk.experian.com
https://www.econsumer.equifax.co.uk/...erletter.ehtml

Alternatively, CRAs also offer online reports and other products for a charge. In my opinion only the reports are valuable, additional services like "credit ratings" are expensive and are of little use to most people. As they say though, "your mileage may vary".


Both Equifax and Experian offer a 30 day free trial of their online subscription services, you can apply online via these links.

https://www.creditexpert.co.uk/UK/Order1_1.aspx
https://www.econsumer.equifax.co.uk/...KESNG_5999_ANN UAL_TRL

If at the end of thirty days you do not wish to continue with the subscription you should contact the CRA and cancel, if you fail to do so you will be charged the annual fee (approx ?60). These services are expensive but they not only offer you the valuable information contained in your credit reports, they also offer a means to combat identity theft and fraud.

Hope this helps.